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Single Family ResidenceResidential
$247,515$283 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $84,000 on Aug 15, 2001

12 PROSPECT ST

SPENCER, MA 01562
2
Beds
2 / 1
Baths
875 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4,200 ft²
Lot SizeThe size of the land the home sits on, from county records.
1830
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$248K
$240K low$255K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$84,000 · Aug 15, 2001
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$142,515
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$114,012
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.47%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$105,000
CHITTENDEN TRUST CO · R · recorded Oct 27, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,806 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$153,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$128,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$147,600

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.10
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Knox Trail Middle SchoolC
Middle · Grades 5–8 · 0.5 mi
H
David Prouty High SchoolD+
High · Grades 9–12 · 1.1 mi
E
Wire Village SchoolC-
Elementary · Grades KG–4 · 1.6 mi

District: Spencer-East Brookfield School District

Neighborhood · ZIP 01562These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.12,315
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.362 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,330
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,868
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12 Prospect St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 97% of homes in Spencer 01562
  • Smaller than 96% of homes in Worcester County
  • Has a smaller lot than 97% of homes in Spencer 01562
  • Among the oldest homes in Worcester County

What homes are worth in Spencer 01562

Each bar is how many homes fall in that price range. The marker is this home.

This home
$232K$840K

This home is worth more than 3% of homes in Spencer 01562.

How it measures up in Spencer 01562

The dot is this home. The mark in the middle is the typical home in Spencer 01562.

Estimated value$247,515
CheaperTypical $428,048Pricier

Pricier than 3% of homes nearby

Price per ft²$283
CheaperTypical $285Pricier

Pricier than 48% of homes nearby

Living area875 ft²
SmallerTypical 1,632 ft²Bigger

Bigger than 6% of homes nearby

Lot size4,200 ft²
SmallerTypical 0.6 acBigger

Bigger than 3% of homes nearby

Year built1830
OlderTypical 1968Newer

Newer than 2% of homes nearby

How 12 Prospect St ranks against every home in each area.
MeasureThis homeSpencer 01562Worcester County
Estimated valuepricier than$247,5153% of homes3% of homes
Price per ft²pricier than$28348% of homes36% of homes
Living areabigger than875 ft²6% of homes4% of homes
Lot sizebigger than4,200 ft²3% of homes3% of homes
Year builtnewer than18302% of homesalmost no homes

About 12 Prospect St

How much is 12 Prospect St, Spencer, MA worth?

The TopHap Estimate for 12 Prospect St, Spencer, MA is $247,515 as of Jul 14, 2026. The likely range is $240,092 to $254,938. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Prospect St, Spencer, MA last sell?

12 Prospect St, Spencer, MA last sold on Aug 15, 2001 for $84,000, according to the county's recorded deed.

How big is 12 Prospect St, Spencer, MA?

12 Prospect St, Spencer, MA has 2 bedrooms, 2 bathrooms, 875 square feet of living space and a 0.10-acre lot.

When was 12 Prospect St, Spencer, MA built?

12 Prospect St, Spencer, MA was built in 1830, making it 196 years old. It is a conventional home. The building has 2 stories.

What schools serve 12 Prospect St, Spencer, MA?

12 Prospect St, Spencer, MA is assigned to Knox Trail Middle School (middle), rated C; David Prouty High School (high), rated D+; Wire Village School (elementary), rated C-. All sit in Spencer-East Brookfield School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Prospect St, Spencer, MA compare to other homes in Spencer 01562?

Among the 3,927 homes in Spencer 01562, it is worth more than 3% of them ($247,515 against a typical $428,048), its price per square foot is higher than 48% of them ($283 against a typical $285), it is bigger than 6% of them (875 ft² against a typical 1,632 ft²), its lot is bigger than 3% of them (4,200 ft² against a typical 0.6 ac) and it is newer than 2% of them (1830 against a typical 1968). Measured against all of Worcester County, it is worth more than 3% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12 Prospect St, Spencer, MA?

The 2025 property tax bill for 12 Prospect St, Spencer, MA was $1,806. The county assessed it at $153,800.

Closest homes

More homes in Spencer 01562

Assigned schools

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